If you received a letter from American National Bank & Trust about a January 2025 data breach, you may be eligible to claim up to $4,500 through a class action settlement. The settlement in Kelly Banner, et al. v. American National Bank & Trust, Case No. DC30-CV2025-1068, covers approximately 52,977 people whose personal information was accessed by an unauthorized party on or about January 21, 2025.
Claims must be filed by April 21, 2026, through the official settlement website at anbtdatasettlement.com. The compromised data in this breach was extensive, including names, Social Security numbers, financial information, medical records, and more. That breadth of exposure is what makes this settlement notable. Even if you have not yet noticed fraudulent activity tied to the breach, you are still eligible for a $50 alternative cash payment and free credit monitoring simply for being a class member.
Table of Contents
- What Does the American National Bank & Trust Data Incident Settlement Cover and Who Is Eligible?
- How Much Can You Claim and What Are the Payment Options?
- What Credit Monitoring and Identity Theft Insurance Does the Settlement Provide?
- How to File Your Claim Form Step by Step
- Key Deadlines and the Opt-Out Decision
- What Type of Information Was Compromised and Why It Matters
- What Happens After the Settlement Is Finalized
- Frequently Asked Questions
What Does the American National Bank & Trust Data Incident Settlement Cover and Who Is Eligible?
The settlement resolves claims arising from a data incident on January 21, 2025, in which an unauthorized party gained access to ANB&T files containing sensitive personal information. The data potentially exfiltrated included names, addresses, Social Security numbers, driver’s license numbers, government-issued ID numbers, financial information, medical information, health insurance information, and dates of birth. The case was filed in the 30th Judicial District Court for Wichita County, Texas, where ANB&T is headquartered. Eligibility is straightforward but specific.
You qualify if you are a U.S. resident who was mailed a written notification by ANB&T informing you that your private information was potentially accessed, viewed, or obtained as a result of the January 21, 2025 data incident. If you did not receive that letter, you are likely not part of the settlement class. For comparison, many data breach settlements define their class based on whose records appeared in the compromised database, but this one ties eligibility to receipt of the notification letter. If you discarded the letter and are unsure whether you received one, check the settlement website or contact the settlement administrator for confirmation.
How Much Can You Claim and What Are the Payment Options?
The settlement offers two tracks of compensation, and which one you pursue depends on whether you have documented financial losses from the breach. The first option provides up to $4,500 in reimbursement for out-of-pocket expenses directly tied to the data incident. This includes fraud charges on your accounts, money spent on credit monitoring services you purchased after the breach, costs for credit freezes or fraud alerts, and the reasonable value of time you spent dealing with breach-related problems. If you spent several hours on the phone with your bank disputing unauthorized charges and then paid $30 per month for a credit monitoring service, those costs add up and are reimbursable under this track.
However, if you have no documented losses, do not skip filing a claim entirely. The second option is a $50 alternative cash payment available to eligible class members who do not submit documented losses. You simply need to verify your eligibility and submit the claim form. Keep in mind that claiming the $50 flat payment means you are forfeiting the right to seek the higher reimbursement amount, so take stock of any expenses you may have incurred before choosing. Even minor costs like notarizing an identity theft affidavit or mailing certified letters to creditors count as documented losses and could push your total claim well above $50.
What Credit Monitoring and Identity Theft Insurance Does the Settlement Provide?
Beyond direct cash payments, every eligible class member can enroll in one year of three-bureau credit monitoring at no cost. This covers Equifax, Experian, and TransUnion, giving you alerts if new accounts are opened or significant changes appear on your credit reports. For someone whose Social Security number and financial information were exposed, this is a meaningful layer of protection. As a practical example, if someone attempts to open a credit card in your name using your stolen Social Security number during the monitoring period, you would receive an alert and could act immediately to dispute the application.
The settlement also includes $1 million in identity theft insurance. This type of coverage reimburses you for certain costs associated with recovering from identity theft, such as legal fees, lost wages from time taken off work to resolve fraud, and expenses related to restoring your identity. It is worth noting that identity theft insurance does not prevent fraud from happening. It functions more like a safety net if the worst-case scenario unfolds. If you already have identity theft protection through another service or your homeowner’s insurance policy, the settlement’s coverage would serve as an additional layer rather than a replacement.
How to File Your Claim Form Step by Step
Filing a claim for this settlement is done through the official website at anbtdatasettlement.com. You will need the unique ID number from the notification letter ANB&T mailed to you. The claim form asks for your contact information, your selection of either the documented loss reimbursement (up to $4,500) or the $50 alternative payment, and supporting documentation if you are pursuing the higher amount. If you choose the reimbursement path, gather your evidence before starting the form.
Bank or credit card statements showing fraudulent charges, receipts for credit monitoring subscriptions, and a log of time spent dealing with breach fallout are all useful. The tradeoff between the two options is clear: the $50 payment requires minimal effort and no documentation, while the reimbursement path demands more preparation but can yield significantly more money. If you had even one fraudulent transaction and spent a few hours resolving it, the documented claim is almost certainly worth the extra effort. Submit your claim well before the April 21, 2026 deadline to avoid last-minute technical issues with the website.
Key Deadlines and the Opt-Out Decision
Two critical dates govern this settlement. The claim filing deadline is April 21, 2026. If you miss that date, you lose the right to any payment under the settlement. The opt-out deadline was March 23, 2026, which means the window to exclude yourself from the settlement has likely already closed or is imminent depending on when you are reading this. Opting out would have preserved your right to file an independent lawsuit against ANB&T, but it also meant giving up all settlement benefits.
A warning worth emphasizing: if you did not opt out by the March 23, 2026 deadline and the settlement receives final approval, you are bound by its terms. That means you release your legal claims against ANB&T related to this data incident in exchange for the settlement benefits. For most people whose losses are under $4,500, the settlement is a more practical path than individual litigation. However, if you suffered extraordinary damages, such as severe identity theft that resulted in tens of thousands of dollars in losses or significant emotional distress, the settlement cap may feel inadequate. In that scenario, consult with an attorney about whether opting out and pursuing an independent claim would have been advisable, and whether any exceptions might still apply.
What Type of Information Was Compromised and Why It Matters
The scope of data exposed in this breach is broader than many comparable incidents. Social Security numbers and financial information alone are enough to enable identity theft, but the inclusion of medical information and health insurance details raises additional concerns. Medical identity theft, where someone uses your insurance information to receive healthcare services, can result in inaccurate entries in your medical records that could affect future treatment decisions or insurance coverage.
For example, if a bad actor uses your health insurance information to obtain prescription medications, those prescriptions could appear in your medical history. This type of fraud is harder to detect and more difficult to unravel than financial identity theft. If you were notified that your medical or health insurance information was part of the breach, consider requesting copies of your medical records and explanation of benefits statements from your insurer to check for unfamiliar entries, in addition to monitoring your credit reports.
What Happens After the Settlement Is Finalized
Once the court grants final approval to the settlement, the administrator will process all valid claims and distribute payments. The timeline between final approval and actual payment varies, but claimants should generally expect several months for checks or electronic payments to arrive. If the total documented claims exceed the settlement fund, payments may be reduced on a pro rata basis, meaning everyone gets a proportional share rather than the full amount requested.
Looking ahead, this settlement adds to a growing pattern of financial institutions facing legal consequences for data security failures. For ANB&T customers who remain with the bank, it is reasonable to ask what security improvements have been implemented since the breach. Institutions that experience breaches of this scale often invest in enhanced encryption, network segmentation, and improved monitoring, but those commitments are worth verifying rather than assuming.
Frequently Asked Questions
How do I know if I am eligible for the ANB&T data breach settlement?
You are eligible if you are a U.S. resident who received a written notification letter from American National Bank & Trust about the January 21, 2025 data incident. If you are unsure whether you received the letter, visit anbtdatasettlement.com or contact the settlement administrator.
Can I claim both the $50 alternative payment and reimbursement for documented losses?
No. You must choose one or the other. If you have documented out-of-pocket expenses from the breach, file for reimbursement of up to $4,500. If you have no documented losses, claim the $50 flat payment.
What counts as a documented out-of-pocket loss?
Fraudulent charges on your accounts, costs of credit monitoring services you purchased, fees for credit freezes, expenses for notarizing identity theft affidavits, and the reasonable value of time spent dealing with breach-related issues all qualify.
When is the deadline to file a claim?
The claim filing deadline is April 21, 2026. Claims submitted after that date will not be accepted.
Do I need a lawyer to file a claim?
No. The claim process is designed for individuals to complete on their own through the settlement website. However, if you believe your losses significantly exceed $4,500, you may want to consult an attorney about your options.
Is the credit monitoring automatic, or do I need to sign up?
You need to actively enroll in the credit monitoring benefit. Details on how to enroll should be available on the settlement website at anbtdatasettlement.com.
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